My Business Philosophy
Visionary Planning & Investment, LLC agrees with, promotes, and follows the model from the financial planning principles of the College of Financial Planning – see www.cffp.edu
Establish & Define the CUSTOMIZED Scope of the Working Relationship – We will discuss and agree on the amount and type of help I provide and you receive. Some clients would prefer that I handle almost all the investment strategy decisions and other clients would like to be much more involved. We can discuss what level is most comfortable for you.
Gather Information – I will frequently gather review your current goals, assets, liabilities, income, spending needs (both now and in retirement or other stages of life). I want to make sure I really understand how you think about.
Analyze the Situation – Once I have gathered the information I will spend some time pouring over the notes to analyze and begin to prioritize the items that can and should be addressed.
Develop a Plan with Specific Recommendations – I will finalize the specific current
recommendations that should be taken based on the analysis I do. Once we agree on the steps we can move to implementing them.
Implement (Invest) the Plan – I will place the trades to purchase or sell the various investments to implement the plan.
Monitor the Plan – I will monitor the plan and make changes to the plan and strategy when necessary and repeat the cycle.
We will get to know clients first, and then begin to put a long-term plan together, recommend specific actions and investments, then drive or assist in implementing the plan, and monitor it all periodically to maintain proper diversification and investing discipline.
Our goal is to help clients efficiently reach their goals and prepare for and manage risks from the global markets, yet participate in the markets in a disciplined approach. We also firmly believe in the relationship side of what we do. We aim to be the trusted partner and consultant to our clients they need when making life decisions that will impact their family.
My Fee Structure
- Managed Assets $0 to $499,999 = 0.95% Annually
- $500,000-$999,999= 0.75% Annually
- $1,000,000+ = 0.50% Annually
Example = $250,000 assets managed x 0.95% = $2375/year ($593.75 per quarter). The first quarter we work together will be prorated, meaning you are only charged for the number of days of the quarter that we are working together.
Clients will also pay a small trading commission on each trade to TD Ameritrade as custodian of the assets, no commissions are ever paid to Visionary Planning & Investment, LLC.
Visionary Planning & Investment, LLC is a registered investment adviser offering advisory services in the State of Colorado and in other jurisdictions where exempted.
AAMS (Accredited Asset Management Specialist)
College of Financial Planning, AAMS certificate holder.
Metro State College of Denver, BS Finance 1998.
Most Recent Experience
05/2000 - 01/2017 VP, Financial Consultant, Charles Schwab & Co., Inc.
I consulted approximately 400 households with total client assets exceeding $256million.